# Idealx Fee Schedule Version 2.3 | Published 28 September 2026 Read with your completed account and service particulars. Managed services: scope and priority ------------------------------------ Auto Pilot uses document 31: 0.99% p.a. including managed cash plus 15% of qualifying net profits above a 5% annual hard hurdle and high-water mark, with no dollar cap. It includes the Platform component; do not add the 0.20% ordinary strategy-service fee to the same assets. Separately managed MDA strategies use their own accepted rates. The 0.20% basis elsewhere continues only for the ordinary client-approved strategy service. Actual external and transaction costs must be shown without double charging. This amendment has priority for its stated MDA scope. Unrelated service provisions continue to apply. 1. Scope and ordinary accounts ------------------------------ No account-opening, monthly, annual, ordinary custody, inactivity or standard adviser Console access fee is charged under this schedule. Optional strategy services carry the separate fee in section 10. Fund providers pay the separate business tariff in document 10. Independent adviser fees and underlying fund expenses are separate and require their applicable disclosures and consents. Prices include GST where applicable unless expressly identified as business prices excluding GST. No extra tax surcharge is added to an inclusive price. A service must be available and activated before its price applies. A listed price does not activate margin, derivatives, lending, staking or asset reuse. Idealx Platform is the commercial recipient of the Idealx customer tariff for the platform-arranged services in this schedule. The responsible regulated entity and any collection agency are identified in the service record and transaction confirmation. Where the actual legal structure requires a provider to receive an amount first, its lawful onward allocation is governed by the separate Platform–provider agreement. Neither the Digital Assets internal conversion fee nor the Securities CAR fee is an extra customer charge. A separately contracted third party's own charge remains payable to that party and must be identified before commitment. This commercial allocation does not make Platform the licensed provider of every underlying service. 2. Australian and United States shares and ETFs ----------------------------------------------- Market | Brokerage for each executed buy or sell order Australia | Greater of A$2.40 or 0.008% of executed consideration United States | Greater of US$2.40 or 0.008% of executed consideration Brokerage excludes itself from the calculation base. Round half-up to the currency’s minor unit. There is one minimum for all fills of one original order, not a minimum for each fill. Buys and sells are separate orders. A cancelled-and-replaced order is a new order, as identified before submission. No execution means no brokerage. An invalidated execution has its associated brokerage reversed. Standard broker, clearing and execution costs are included; additional upstream costs do not automatically become client fees. Statutory taxes and regulatory levies are separately disclosed at applicable amounts. Brokerage is deducted in the settlement currency on execution or settlement through the disclosed process. Sales are credited net of charges; purchases require consideration plus charges. A sufficient existing currency balance avoids an FX conversion fee. Examples in the market currency: a 1,000 or 10,000 order costs 2.40; a 30,000 order costs 2.40; a 100,000 order costs 8.00. These are brokerage examples, not total transaction costs or a continuing competitor price-match promise. 3. Other international shares and ETFs -------------------------------------- The following versioned customer rates include the selected 25% markup on the underlying execution tariff. No further 25% is added to these rates. The fee is the greater of the rate-based commission and the minimum. Percentages apply to executed consideration; Canada's rate applies to shares executed. Market | Exchange | CCY | Idealx rate | Minimum per order Austria | VSE | EUR | 0.15625% of executed value | 5 Belgium | Euronext | EUR | 0.0625% of executed value | 1.25 Bulgaria | BSE | EUR | 0.625% of executed value | 0 Canada | TMX | CAD | 0.025 per share | 1.25 Czechia | PSE | CZK | 0.5% of executed value | 31.25 Cyprus | CYS | EUR | 0.625% of executed value | 1.25 Denmark | OMXC | DKK | 0.125% of executed value | 31.25 Finland | OMXH | EUR | 0.125% of executed value | 1.25 France | Euronext | EUR | 0.0625% of executed value | 1.25 Germany | FWB | EUR | 0.625% of executed value | 62.5 Germany | Xetra | EUR | 0.0625% of executed value | 1.25 Greece | ATH | EUR | 0.4% of executed value | 1.25 Hong Kong | HKEX | HKD | 0.235625% of executed value | 12.5 Ireland | Euronext | EUR | 0.0625% of executed value | 1.25 Italy | Euronext | EUR | 0.125% of executed value | 1.25 Japan | TSE | JPY | 0.125% of executed value | 187.5 Netherlands | Euronext | EUR | 0.0625% of executed value | 1.25 Norway | Euronext | NOK | 0.09375% of executed value | 62.5 Poland | WSE | PLN | 0.1125% of executed value | 5 Portugal | Euronext | EUR | 0.0625% of executed value | 1.25 Romania | BVB | RON | 0.625% of executed value | 6.25 Singapore | SGX | SGD | 0.2375% of executed value | 3.125 South Africa | JSE | ZAR | 0.375% of executed value | 25 Spain | BM | EUR | 0.15625% of executed value | 5 Sweden | SOMX | SEK | 0.078125% of executed value | 75 Turkey | BIST | TRY | 0.3125% of executed value | 25 UAE | DFM | AED | 0.5% of executed value | 25 UK | LSE | GBP | 0.0625% of executed value | 1.25 UK | LSE AIM | GBP | 0.0625% of executed value | 1.25 UK | LSE IOB | USD | 0.0625% of executed value | 1.25 Switzerland, Saudi Arabia and any ambiguous Nordic venue require an exact venue and currency tariff or fixed quote accepted before submission; no unverified venue row applies. Round once, half-up to the settlement currency’s minor unit, after comparing the exact calculated fee and minimum. For example, SGD 3.125 rounds to SGD 3.13 and JPY 187.5 to JPY 188. Section 2's no-execution and single-minimum rules also apply. The order review identifies the exact supported venue, fee currency and expected amount; an ambiguous or unsupported venue cannot be selected. Statutory taxes and regulatory levies are separate, without the 25% markup. Ordinary execution and clearing costs covered by these rates are not charged twice. Prices do not change automatically when a backend tariff changes: prospective changes follow the Client Services Agreement. Unlisted markets and non-standard instruments require a separately accepted price before an order is submitted. 4. Fiat currency conversion --------------------------- The fee is 1% of source-currency principal actually converted, with no minimum, for all supported pairs. Add the fee to principal: converting A$10,000 costs A$100, for a total debit of A$10,100. For an inclusive total-spend amount, divide by 1.01 to determine principal and show the rounded allocation before confirmation. The quote shows the rate, currencies, principal, fee, total debit, destination amount and validity or execution method. Provider market spreads may affect the rate; the fee is not a promise of a mid-market rate. No additional Idealx FX spread markup applies. Charge once per completed customer conversion, not for internal routing legs, quotes or merely holding a currency. A separately requested reverse conversion is a new transaction. Reverse the fee for an invalidated execution. Automatic conversion requires an effective separate authority. 5. Crypto trading ----------------- The fee is 1% for each completed purchase, sale or crypto-to-crypto conversion, with no minimum. For a purchase, add 1% to fiat principal; divide an inclusive spend by 1.01. For a sale, deduct 1% from gross fiat proceeds. For crypto-to-crypto conversion, take 1% of the submitted source quantity as the fee and convert the remaining 99%. The quote shows supported precision, any rounding, rate, quantities, fee and net proceeds. One customer conversion attracts one trading fee, regardless of internal fiat, stablecoin or other routing. No additional 1% FX fee applies solely to an internal routing leg. Separately requested and confirmed fiat conversions use section 4. Underlying liquidity spreads can affect the quote; no additional Idealx trading spread markup applies. No fee applies to an unexecuted trade; an invalidated execution has its fee reversed. A same-asset deposit or withdrawal is not a trade. 6. Incoming funds ----------------- Idealx charges no fee for incoming bank transfers, supported incoming direct-debit funding or supported incoming crypto deposits. A sender’s bank, intermediary or wallet may charge independently. Credit the money or supported asset quantity actually received subject to settlement, network confirmation, verification and lawful reversals. Receipt alone does not authorise a conversion. No card deposits are available at launch. Unsupported asset or wrong-network recovery is not an automatically chargeable service. No separate Idealx direct-debit dishonour or retry fee is introduced; the bank’s own charges and the Debit User’s separately disclosed rights remain subject to the applicable agreement. 7. Domestic AUD transfers ------------------------- Supported completed domestic AUD bank transfers, including withdrawals to the Client's external Australian bank account, cost 0.1% of principal, minimum A$1 and maximum A$10. Add the fee to principal and show the total before confirmation. A$5,000 sent costs A$5, for a total debit of A$5,005. A$100,000 sent costs A$10. Charge on confirmed completion. Reserved fees are released for failure or cancellation before completion. Ordinary provider payout costs are included. If a completed transfer is returned, the original fee remains payable for the completed service unless the transfer was invalid or Idealx’s error requires a refund; no additional return or recovery charge arises under this schedule. Mandatory refund rights remain. No additional Idealx charge applies to an internal client-to-fund subscription transfer. For an existing client declining the migration terms and closing their account, the final AUD withdrawal has no Idealx withdrawal fee. Independent bank or actual separately authorised conversion charges are not waived by that exception. 8. International transfers and other services --------------------------------------------- International payments use a transaction-specific quote. It identifies the provider, principal, Idealx transfer fee, currencies, any actual FX and its section 4 fee, known third-party charges, total debit, expected receipt, timing and quote validity. Possible unknown intermediary or recipient deductions are identified as estimates or unknown amounts, not zero. Same-currency cross-border payments do not themselves incur an FX fee. For an international payment that fails or is cancelled before irreversible submission, release the Idealx transfer fee. Following irreversible submission, only non-refundable external costs disclosed before confirmation may be retained on failure, up to the accepted quoted amount; refund the unearned Idealx service component. For a completed service, a later recipient rejection does not itself refund the original fee, subject to Idealx error and mandatory rights. A separately requested reverse FX conversion uses a new accepted quote. No unquoted recovery fee applies. Other payment rails, securities transfers, bonds and exceptional or manual services are not assigned an unspecified charge. Before offering a chargeable service not priced here, Idealx supplies a separately accepted tariff or quote stating the trigger, calculation, currency, taxes and refund rules. Existing accepted prices cannot be displaced merely by calling an ordinary transaction an exceptional service. 9. Crypto withdrawals --------------------- The fixed pre-confirmation quote is reasonably estimated attributable network and provider withdrawal cost actually payable by Platform for that withdrawal plus a 20% Idealx markup, with no minimum. The cost base excludes costs already absorbed in an inclusive provider service fee, costs not charged to Platform and any duplicate recovery. Platform must substantiate the attributable cost; a theoretical network cost alone is not a payable cost. The markup is on that cost, not on the withdrawn asset value. Avoid double counting network costs included in a provider charge; reasonably allocate batch costs. If base cost is zero, the fee is zero. Show the asset, network, recipient, intended delivered quantity, external cost component, Idealx component, total fee, total debit, expiry and expected confirmations. Any conversion solely to calculate the fee uses the disclosed rate without an additional 1% trading or FX fee. Round the payable fee to the disclosed asset precision. By default add the fee to the recipient quantity; a total-balance withdrawal instead shows the deducted fee and net quantity. The accepted quote is a fixed price based on estimates, not exact reimbursement. Idealx bears savings or overruns. Before irreversible submission, Idealx may seek acceptance of a revised quote or permit cancellation without an Idealx fee; it cannot exceed the accepted debit without authority. Release all reserved fees for pre-submission rejection or cancellation. On failure after irreversible submission, retain only disclosed attributable incurred external costs up to the accepted quote, refunding the markup and unused amount. Idealx's own error and mandatory remedies remain subject to applicable law. 10. Optional strategy service ----------------------------- Idealx Platform charges 0.20% per annum, with no minimum and no maximum, on the daily value of investments enrolled in the selected strategy. Uninvested cash and unrelated holdings are excluded. Calculate daily and collect monthly in arrears. Document 14 sets the valuation, day count, proration and collection rules. For illustration, an unchanged A$100,000 for a full year costs A$200. This fee applies to both Idealx-authored and independent-firm strategies. Independent adviser fees, ordinary brokerage, actual FX and disclosed underlying product expenses are separate. There is no extra strategy-basket surcharge and no 20% share of adviser fees under this schedule. Standard adviser Console and strategy creation remain free to the Firm. Collect only from available cash in an account covered by a valid deduction authority. Notify unpaid earned fees and request a top-up; do not automatically sell assets, borrow, convert currency or compound fees to pay them. No late fee or interest is introduced. Leave strategy stops future accrual immediately with partial-day proration, leaves assets in the underlying account and has no exit fee. Declining a proposed change does not cancel the ongoing service while it remains available. 11. Cash earnings and fee changes --------------------------------- The ordinary cash service pays no client interest except where separately agreed or required by law. Idealx Platform retains 100% of eligible cash earnings that it is legally entitled to receive under Service Schedule A. This does not transfer principal, investment dividends or distributions, or a provider's own earnings entitlement. No additional cash-placement administration or ordinary deposit-break charge applies under the placement service. Idealx may agree lawful discounts, waivers and promotions with stated eligibility and duration. No concession gives another client matching rights. Prospective changes follow the Client Services Agreement, including applicable notice, consent and exit rights. Accepted quotes and accrued rights are preserved. There is no automatic pass-through of supplier minimums, subscriptions, custody or financing charges.